# AutoFloat

> AutoFloat is a US bill-pay membership for drivers. Members verify their car (VIN) and active car insurance, upload a bill, and AutoFloat pays the biller directly in full. The member repays in two equal payments ("Pay in 2") with no interest and no late fees. The only charge is a monthly membership (paying by credit card adds $1.99 per payment): Plus $49.99/month or Pro $79.99/month.

Key facts:
- How it works: verify identity, VIN and insurance; link a checking account; upload a bill; AutoFloat pays the biller; repay in 2.
- Repayment: new members pay half when the bill is approved and the rest 14 days later. After 6 months of on-time payments, members pay $0 upfront and repay half on day 7 and half on day 14.
- Plans: Plus $49.99/month, up to 2 bills and $500 a month; Pro $79.99/month, up to 3 bills and $1000 a month.
- Add-ons (optional, any combination): Spending insights $9.99/month; Rent reporting $9.99/month; Credit monitoring $7.99/month; Identity protection $9.99/month.
- Bill types covered (20): Rent, Car repair, HOA, Utilities, Insurance, Phone, Internet, Car payment, DMV & registration, Tolls, Parking ticket, Medical, Dental, Daycare, Tuition, Storage, Vet & pet care, Gym & fitness, Streaming, Property tax.
- No interest, no late fees, no hard credit check, no lien on the car. Money goes straight to the biller.
- Missed payment: account paused until paid; the monthly limit is never lowered.
- Hardship: members can move a payment 7 or 14 days or split it in two before it's due, at no cost.
- Eligibility: 18+, US resident in a supported state, registered vehicle with active insurance in their name, US checking account.
- Contact: support@autofloat.co

## Main pages

- [Home](https://autofloat.co/): what AutoFloat is, the Pay in 2 calculator, plans, add-ons, covered bills and FAQ
- [Plans](https://autofloat.co/#plans): Plus and Pro membership details
- [Sign up](https://autofloat.co/signin?mode=signup): create an account
- [Help center](https://autofloat.co/help): answers about signing up, paying bills, repayment, limits, add-ons and account security
- [About AutoFloat](https://autofloat.co/about): mission, how it works and what makes AutoFloat different
- [Security](https://autofloat.co/security): how member data and money are protected
- [Contact us](https://autofloat.co/contact): support, complaints, privacy and security contacts

## Policies

- [Terms of Service](https://autofloat.co/terms): membership, Pay in 2, missed payments, hardship, bank authorization and disputes (draft)
- [Privacy Policy](https://autofloat.co/privacy): what data is collected, how it's used and shared, retention and member rights (draft)
- [Accessibility](https://autofloat.co/accessibility): WCAG 2.1 AA commitment and how to get help

## Optional

- [Full text for AI assistants](https://autofloat.co/llms-full.txt): every public page in one plain-text file
- [Careers](https://autofloat.co/careers): how we work and how to apply
- [System status](https://autofloat.co/status): live service health